Rs. 50 Lakh Loan

Get a Rs. 50 Lakh loan using ESOPs, bonds, mutual funds, shares, or insurance, with quick disbursal, competitive rates, and flexible repayment terms.
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3 mins read
17-April-2025
A Rs. 50 lakh loan can help meet major financial needs such as business expansion, property investment, medical emergencies, or personal expenses. One of the most efficient ways to secure such a loan is by leveraging your investments. Loans against investments offer competitive interest rates, faster processing, and flexible repayment options.

These loans allow individuals to use their shares, bonds, mutual funds, or insurance policies as collateral to secure a high-value loan. Since they are secured, they generally come with lower interest rates than unsecured loans.

This article explores the different ways to get a Rs. 50 lakh loan, eligibility criteria, required documents, the application process, benefits, and EMI calculations.

6 ways to get 50 lakh loans

The following table provides a detailed overview of the best options to avail a Rs. 50 lakh loan against investments:

Loan productInterest rateLoan tenureDetails and application link
ESOP Financingup to 15% p.a.Up to 36 monthsLearn more and apply for ESOP Financing
Loan Against BondsUp to20% per annumUp to 36 monthsLearn more and apply for Loan Against Bonds
Loan Against Insurance PolicyUp to 24% p.a.(In case of lock-in policies, compounding interest will be chargedIn case of lock-in free policies, simple interest will be charged)Up to 96 monthsLearn more and apply for Loan Against Insurance Policy
Loan Against Mutual Funds8-15% per annumUp to 36 monthsLearn more and apply for Loan Against Mutual Funds
Loan Against Shares8-15% per annumUp to 36 monthsLearn more and apply for Loan Against Shares


These secured loans offer a hassle-free way to get immediate funds while keeping your investments intact.

Eligibility criteria for a Rs. 50 lakh loan

To qualify for a Rs. 50 lakh loan, applicants must meet specific eligibility requirements set by lenders. The general criteria include:

  • Age: 18 to 65 years
  • Income: Stable income source from salary, business, or investments
  • Employment status: Salaried or self-employed professionals/business owners
  • Asset ownership: Existing investments in bonds, shares, or insurance
Lenders may have additional criteria depending on the loan type and security offered. This is based on Bajaj Finance loan against securities.

Documents Required for Rs. 50 Lakh Loan

Lenders require certain documents to process a Rs. 50 lakh loan application efficiently. These typically include:

Official Valid Documents (OVDs) for KYC:

  • Identity proof: Aadhaar, PAN, Passport, Driving License or Voter ID
  • Address proof: Utility bills, Driving License, Passport, or Aadhaar card
Other documents:

  • Income proof: Salary slips, IT returns, or business financial statements
  • Bank statements: Last six months’ statements
  • Investment proof: Ownership documents for shares, bonds, mutual funds, or insurance policies
  • Loan application form: Completed and signed form as per lender’s requirement.
Additional documents may be needed based on the type of loan applied for.

How to apply for a Rs. 50 lakh loan

Applying for a Rs. 50 lakh loan is simple and can be done online or offline. Follow these steps to apply:

  1. Choose a loan option: Select the best loan type based on your available investments.
  2. Check eligibility: Ensure you meet the lender's eligibility criteria.
  3. Gather documents: Keep all required documents ready for submission.
  4. Apply online or offline: Fill in the application form on the lender’s website or visit a branch.
  5. Submit collateral details: Provide investment details for loan approval.
  6. Verification process: The lender will verify the documents and assess the investment’s value.
  7. Approval and disbursement: Once verified, the loan is approved and disbursed within a few days.
  8. Loan to value (LTV)- Lenders offer 50% to 90% of the investment’s value as a loan, ensuring substantial borrowing capacity.
Online applications generally lead to quicker processing and disbursement.

Benefits of Rs. 50 lakh loans against investments

Taking a loan against investments offers multiple advantages:

  • Retain ownership: Continue earning returns on your investments while using them as collateral.
  • Lower interest rates: Secured loans have lower rates than unsecured loans.
  • Quick processing: Faster approval and disbursal due to asset-backed security.
  • No end-use restriction: Use the funds for business expansion, investment, or personal needs.
  • Higher loan amounts: Large ticket sizes available based on asset value.
These features make loans against investments an ideal choice for those needing quick, high-value funds.

Conclusion

A Rs. 50 lakh loan against investments is an excellent way to secure high-value funding without liquidating assets. With lower interest rates, quick approvals, and flexible repayment terms, these loans are an ideal choice for salaried and self-employed individuals.

Before applying, compare different options, check eligibility, and choose a reliable lender to get the best loan deal.

Explore Loan Against securities by Bajaj Finance Limited.

Frequently asked questions

How to get a 50 Lakh Loan immediately?
To get a Rs. 50 lakh loan quickly, apply for a secured loan against investments like shares, or bonds. Ensure you meet the lender’s eligibility criteria, provide necessary documents, and opt for online processing for faster approval and disbursement.

What is the minimum salary for a 50 Lakh loan?
There is no minimum salary requirement to avail of a Rs. 50 lakh loan against your investments. Instead, your eligibility depends on the value and type of securities you pledge such as shares, mutual funds, or insurance policies approved by your lender. As long as your pledged investments meet the lender’s criteria, you can access funds without income-based restrictions.

What is the interest rate for a 50 Lakh Loan per month?
Interest rates for a Rs. 50 lakh loan may vary, depending on the lender and applicant profile. Monthly interest is calculated based on the annual rate, loan tenure, and repayment type. Secured loans offer lower rates than unsecured personal loans.

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